Net Unrealized Appreciation: The Cost-Basis Line That Decides If It’s Worth It (2026)
A retiree with $400,000 of company stock sitting in a 401(k) has two doors. Door one — the ordinary rollover — costs nothing today. Door…
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Dollar Cost Averaging vs Lump Sum Investing: A $50,000 Windfall, Run Both Ways
Vanguard ran a windfall through 46 years of global market data and found that investing it all at once beat spreading it across three months…
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Roth 401k vs Traditional 401k: Which One Actually Wins in 2026?
A single $10,000 contribution, left alone for 25 years at a 7% return, can be worth $47,761 or $36,907 by the time you spend it….
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Total Stock Market vs S&P 500: What the 3,025 Extra Stocks Actually Do
One fund holds 506 stocks. The other holds 3,531. Over the past ten years, the difference in their annual returns was 0.43 percentage points —…
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Asset Location Strategy: Why ‘Bonds Go in Your 401(k)’ Isn’t Always Right
The 10-year Treasury yielded 4.69% on August 17, 2026 — near a 19-month high. That single number quietly invalidates a piece of portfolio advice that…
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How Often Should You Rebalance Your Portfolio? Calendar vs Threshold, Settled
A 60/40 portfolio built at the end of 1989 and never touched again would have held about 80 percent stocks by the end of 2021,…
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Three-Fund Portfolio for Beginners: The Six-Step Setup That Takes an Hour
Three index funds. One hour of setup. That’s the entire strategy — and over 15-year periods it has quietly beaten roughly 88% of professionally managed…
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Index Fund vs Target Date Fund: The 60-Second Formula for Which to Choose
Target-date funds now hold $4.8 trillion, and the cheapest 10% of them charge 0.21% a year while the priciest 10% charge 1.20% — a spread…
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Mega Backdoor Roth, Step by Step: The $47,500 of Roth Space Most 401(k) Savers Never Use
In 2026 the IRS caps everything that can land in a single 401(k) account — your deferrals, your employer’s match, and any after-tax dollars —…
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Treasury Bills vs HYSA: The State Tax Math That Actually Decides It (2026 Rates)
As of August 6, 2026, the 3-month Treasury bill was yielding 3.82%, while the best high-yield savings accounts were advertising APYs in the 4.15% to…
